non-purpose lending

Why Does Securities Lending Make Sense?

If you are you looking for easy financing
that can be used for any purpose . . .

Securities Lending Provides Quick & Easy Capital

What is it that you want to accomplish? Whether you want to purchase real estate, buy a new car, RV or luxury yacht, pursue personal or business investment opportunities, exercise employee stock options, or meet other business or personal financial goals, consider securities lending.

Securities lending (also known as stock loans) are used by forward-thinking investors who want to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

Securities lending offers non-recourse / non-purpose loans based upon the value of actively trading securities you already own. This lending program provides you with an extension of credit based on eligible securities that you pledge as collateral.

By borrowing against your assets rather than selling them, you can keep your investment strategy on track and defer any capital gains taxes that might result from selling securities to meet your financing needs.

Stock loans have NO personal liability – they are a non-recourse loan secured by your securities. If the borrower defaults, he/she keeps all the loan proceeds and the lender’s only recourse is to keep the pledged collateral.

Stock loans are non-recourse – the borrower’s financial liability is limited to the collateral pledged for the loan. Borrower has the right to walk away from the loan (with no adverse credit reporting) if the value of his securities falls below 80% of the loan amount.

Stock loans are quick & easy – simple straight-forward paperwork, with no fine print. Just your stocks acting as collateral for your loan.

Use the cash for any worthwhile purpose! Buy a home, buy a business, RE investment property, pay-off a mortgage – use it for virtually anything you desire.

PROGRAM HIGHLIGHTS –

• Simple & Quick – NO Credit Check / NO Income Verification
NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

• Low Fixed Interest Rates – usually between 2% to 4%

• Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

• Quick Funded – usually within 5 to 7 business days

• Borrower Maintains Beneficial Ownership – borrower keeps all upside market appreciation. In addition, borrower receives credit against their interest payment for all dividends or interest on bonds. An added benefit is that the lender is responsible for taxes on the dividends during the loan term. It is a loan (not a constructive sale) per section 1058 of the Internal Revenue Code.

• This is NOT a Margin Account Loan – A securities based loan is not a “margin account loan”. These loans have significant advantages over conventional margin loans. See ICON’s website for detailed information.

Authored by - Randall Farr, Managing Director – ICON Commercial Lending, Inc

Contact Randall Farr at 866-956-5554, ext 115

Click here for information about Non-Purpose, Non-Recourse Lending

(Note: Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.)

Which ETF Shares Are The Largest?

The premier exchange traded funds were actually the biggest EFT. Created in 1993, SPDR, short for Standard & Poor’s 500 Index Depository Receipts, continues to be in trading activity, a most popular choice.

With assets of more than M, the ETF which follows the S&P 500 and is overseen by State Street Global Advisors is called Spiders. United States Of America. Both mutual and index funds are more costly than the average exchange-traded fund, which makes ETFs a lower cost purchase.

Everyone would agree spiders are the biggest ETFs, yet the next fund on the list, the second biggest and following ones, can vary depending on which list you are seeing. Now, the NASDAQ-100 There are four letter “Q’s” here. is probably the best, but just two years ago, was the third or fourth in terms of total assets, with less than million United States Of America.

With many of its holdings in software and telecommunications companies, QQQQ is seen by many as an indicator of the health of the technology sector. A hundred stocks with the index for a variety of stock.

Diamonds Trust, or DIA, is one of the larger ETFs in the US. It tracks the Dow Jones Industrial Average and includes 30 “blue chip” American companies. A lot of investors think DIA’s formula is out of date, yet is still remains a popular selection.

Even the biggest ETFs have been in the red, like DIA.

This past year, Ultra Silver Proshares (agq)what is usually called a “small” ETF, has grown relatively large. The year to date return at the time of this writing was over 28% and intra-day returns have been as high as 7% and three months back was about 4%.

Listed is a sampling of the ETFs Barclays Bank oversees. Examples are SGG , LD and JJS . Markets have gone up sharply in the last few months, but that is simply recouping some of the losses from last year’s crash. Regardless, those who invested short-term have profited from those funds.

VTI, short for VIPER is the biggest in terms of the amount of companies in the portfolio. The VTI’s value is a gauge for the US economy because most US based publicly traded companies are a part of the index and the Vanguard Group oversees them.

Literally, hundreds of ETFs are available. A few of the smaller funds have stopped existing, since they haven’t been able to get enough visitors, yet there’s always another to replace it.

For more please see EFT trend trading and ETF types.

Click here for information about Non-Purpose, Non-Recourse Lending

Real Estate Investing Strategies For Today’s Market

The term “real estate investing” likely brings a number of things to mind. You might immediately leap to real estate investing being real estate portfolios and real estate retirement plans or you may think instead of short sales, bulk reo investing and virtual real estate investing. You probably also wonder how these things play out in real estate investors’ life in the current economy.

You will need to know a lot about real estate investing. Knowing the basics of real estate investing education is a good way to get the most out of every lesson. Whether your target is short sales, bulk reo sales, virtual real estate or improving real estate investor abilities, you need to know some real estate investing basics. Here are three real estate investing basics that even some experts do not really know:

1. Real estate investing education always yields positive. Every good real estate deal represents thousands of dollars in potential wealth. The knowledge of how to get that wealth is the key to your success. Learning about real estate increases your odds of success when you do a real estate deal. Small investments yield big results when you invest in learning and then implement what you learn.

2. Any economy allows for success in real estate investing. Often people think that you can only be a success in real estate when the economy is good. In reality, a bad economic situation is not bad for real estate investors. You can often buy properties at deep discounts. You might also find deals that simply would not exist in a booming economy. In fact, real estate investing can turn the tide for a poor economy. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You can save yourself and others from major financial woes if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can make a success of real estate investing no matter how much or little money you have. There are lots of deals that you can use other people’s money to do. If you are a good investment private lenders may let you use their money. An investor who is a good investment knows as much as they can when it comes to real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You will have the ability to create income in any economy. You can create success for yourself using knowledge of real estate investing, short sales, bulk reo sales and virtual real estate. You will be helped to succeed as a real estate investor by knowing real estate investing basics.

Click here for information about Non-Purpose, Non-Recourse Lending

Why You Should Look for Stock Advice Online –

Why should you look for stock advice online? Consider overwhelming reason. In “years past”, a person looking to invest in stocks had to pay a hefty commission to a stock broker who made the transactions for them. The majority of these individuals had to rely on the broker for advice or study the stock market on their own seeking information from newspapers, magazines and the library.

Stock brokers made their money whether or not the advice they gave you was any good and the information available to the average person was not usually enough to qualify them to make good decisions, so only the rich could afford the kind of information that would make them richer.

Today, things have radically changed – we are in the “information age”. Everyone has access to a lot of top quality stock advice online. You don’t have to be an elite member of society to have a real chance of making your fortune on the stock market. Rather than blindly trusting a broker’s advice, doesn’t it make more sense to educate yourself with good stock advice online so you can make a qualified decision?

Today there is just so much information available online today that it would be entirely foolish not to take the time to educate yourself so that you can recognize the shifts and trends in the market that can make you rich. There is a wealth of information available for anyone willing to look for it.

Finding good stock advice online isn’t as difficult as you might think, either. You should look for information that teaches you how to read and analyze stock charts because these are instrumental in helping you to recognize a trend that indicates that you should buy or sell a particular stock. Once you are armed with this type of knowledge you will be much better prepared to make a healthy profit through buying and selling stocks on the stock market.

The internet is the “great equalizer” of today because so much quality information is available to everyone regardless of their race, religion or economic standing. The best stock advice online is there for the taking to anyone who will reach out their hands and grab it. Especially during these tough economic times when people need to increase their incomes more than ever, stock advice online is there to help lead the way. Of course a person still has to use that information wisely, but nonetheless, it is available for any person to study and use to make good stock purchasing decisions.

Why should you look for good stock advice online?

1. For starters, to help you achieve “financial independence”, and
2. Give you a chance to save for retirement and maybe even retire early so you won’t have to rely on your employer or the government to have any money left to give you when the time comes.
Wealth building should be your number one reason for seeking online stock advice.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – Securities Based Lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available. Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

For example, CEOs, CFOs or COOs, with large publically traded companies, who have large blocks of corporate stock can leverage those assets to take advantage of investment opportunities.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

These loans are –

· Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

· Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

· Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

· High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

· Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

· Low Fixed Interest Rates – usually between 2% to 4%

· Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

· Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending / Stock Loans

Buy and Sell Signals based upon a “Moving Average System”

What are the issues with Buy & Sell Signals?

How do we understand the best use of these signals with reference to a Moving Average System?

One of the main problems with using moving average crossovers as actionable signals is that stocks may move or “whipsaw” back and forth across their moving average. It is therefore an advantage to wait for a good “setup” before acting in order to avoid being whipsawed in and out of the stock (and to avoid excessive trading commissions).

Whipsawing occurs primarily when the stock is not trending. Traders use other tools to identify non-trending situations early so they can switch to strategies that work better in non-trending environments.

Most traders who use moving average crossover systems consider any extra trades they might make to be the price one must pay to be positioned correctly when the stock finally stops whipsawing and begins to trend.

In general, traders consider the benefit of the strategy to be that it enables a trader to enter a position close to the beginning of a trend and to leave near the end of the trend. Some traders reduce the number of “false signals” by using the move of a short-term moving average across a longer-term moving average as the signal mechanism rather than the crossover by a stock’s price.

A 5-day moving average is less likely to whipsaw back and forth over a 50-day moving average than is the closing price of the stock. Traders use combinations of moving averages (like 5 and 30, 5 and 50, 20 and 200, 10 and 100 and many others) based on how active they want to be as traders. The longer the moving average, the better established the trend it represents and the less likely it is to be generating a false signal.

On the other hand, longer moving averages give up more of the profit potential of a trade because they are slower in generating their signals.

There are tradeoffs here that only the individual trader can resolve through experience. Remember that the rising trend of an undervalued stock is more likely to be sustained (less likely to break down) than the trend of an overpriced stock.

Price relative to earnings (PE or PE-ratio), sales (PSR or Price per Sales Ratio), and earnings rate-of-growth (PEG or PEG ratio) are among the factors that give fuel to the momentum of a trend. Sometimes investor psychology does too, but trends based on psychology alone are more apt to undergo unexpected reversals.

The following rules pertain to moving average resistances, supports, and crossovers.

Traders have tested both exponential and simple moving averages and have found that a simple moving average is preferable to an exponential moving average. This is information you are not likely to find in the media where the common perception is that the faster exponential moving average is to be preferred.

The longer the moving average, the more reliable these rules tend to be. Many investors strictly adhere to the following moving average rules. However, we make no recommendations to buy or sell any specific stock.1. If the moving average line flattens out after a significant decline, or has begun to rise, and the price of the stock passes upward through the moving average line, it is considered to be a buy signal. The same holds true if the moving average flattens out or rises after the stock has passed upward through the moving average line.2. If the moving average is still rising aggressively and the price of the stock falls below the moving average, this is considered to be a buying opportunity.
3. If the stock price is above the moving average, declines to the moving average but fails to go through it and starts to turn up again, this is a buy signal.

4. If the moving average is declining and the stock price falls under it too fast, it is likely to return to the moving average. The stock can be bought to profit from this short-term snap-back. It is generally best to wait for some sign that the downward momentum is abating or that it has actually reversed before the purchase.

5. If the moving average has been rising and then it flattens out, or if it is declining, and the price of the stock passes down through the moving average, it is considered to be a sell signal. The same thing holds true if the flattening out of the moving average or its decline occurs after the stock has passed downward through the moving average.

6. If, while the moving average is falling, the price of the stock rises above the moving average, this is also an opportunity to sell at a good price before the stock resumes its decline.

7. If the stock price rises toward a moving average from below, but fails to go through it and starts to turn down again, the resistance offered by the moving average is too strong for the stock and it is a sell signal.

8. If the stock price moves rapidly above the rising moving average line too fast, it is likely to have a reaction move back toward the moving average and the stock can be sold for a short-term technical reaction. It is generally best to wait for some sign that the upward momentum is abating or that it has actually reversed before the sale.

It is wise to use more than a moving average to define buy and sell points. Shrewd investors learn to use a variety of indicators in concert. It is also helpful if the stock’s fundamentals are in alignment with the signal generated.

For example, if the stock has given a buy signal, it is a big advantage if the stock is also undervalued. Following a discipline adds clarity and purpose to an individual’s trading. It also enhances a person’s resolve when emotions run amok and the circumstances create confusion and indecision.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a safe way to leverage your assets to cash-in on the tremendous RE investment opportunities currently available.

These loans are –

Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee
Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)
Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount
High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer
Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended
Low Fixed Interest Rates – usually between 2% to 4%
Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs
Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending / Stock Loans

Who is a trusted authority to talk with about a Stock Loan?

In today’s current financial crisis, securities lending / stock loans are being utilized more and more to raise capital for individuals and companies. Therefore, it is important for you to have a trusted authority for this type of “non-recourse” lending.

Choose a lender who has a proven track record in providing world-class customer service to their clients. Choose a lender who is supported by a national network of loan professionals and other financial, legal, and research support personnel.

Choose a Full-Service Securities Lender who offers 100% Non-Recourse / Non-Purpose Loans, based upon stocks & other securities which can be used for both personal or business purposes.

Securities Lending is a long-established process. Collectively, hundreds of successful stock-lending transactions which have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

This is NOT the same as getting a “Margin Loan” with your securities broker. Generally, margin loans will not give you as much money against your stocks as private securities lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in actively traded securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available. Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

Stock loans can be used to purchase RE or any other use – these are non-purpose / non-recourse loans.

For example, CEOs, CFOs or COOs, with large publically traded companies, who have large blocks of Corporate can leverage those assets to take advantage of investment opportunities.

This lending program is designed for a forward-thinking investor who wants to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

These loans are –

Simple & Quick – NO Credit Check / NO Income Verification

NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)
Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount
High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer
Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended
Low Fixed Interest Rates – usually between 2% to 4%
Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs
Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending / Stock Loans

The Property Market and the Global Recession

Australia is one of the few countries, along with Canada, who has felt the credit crunch less than the rest of the world. There may be many reason for this, such as stricter property lending rules or because there is such a large amount of space and supply of land to be able to be used for homes that the vast increases the majority of the world saw from 2004 – 2006 did not happen.

Click here for information about Non-Purpose, Non-Recourse Loans

While Australia has not been completely sheltered by the economic downturn, it has weathered the storm quite well. There is a divide amongst experts as to how the property market will react in 2009 and 2010 in Australia. Most financial analysts tend to think that property values will fall from 5%-10%. Most agree, however, that an increase in value to the property market is not likely before 2011.

In the end, the Australian property market will be affected, either positively or negatively by four overriding factors: debt, employment, the global economy, and housing price stability. In reference to debt, the main issue that is facing the majority of Australian households is that the debt levels are at record highs. In a property market where housing prices are rising, the number of eligible buyers may drastically fall as people are financially unable to take on any more debt.

Employment is a very strong factor in whether the Australian property market will rise or fall. Unemployment rates are on the rise, but because there have been labour shortages in the mines, there has been work for those able to do manual mining labour. Unfortunately, due to the uncertainty in the economy, some businesses are protecting themselves by making full-time employees part-time, as this saves on health care and tax expenses. If the economy does not begin to strengthen, more business will have to move to measures such as this, in addition to redundancies and lay-offs.

The global economy, but specifically the economies of the US and China, needs to strengthen in order for the world to come back to financial order. Many countries are introducing stimulus plans to help revitalize their country, get spending under control, and to help bring financial strength back to their currencies. While the Australian property market will not feel the immediate affects of a strengthening US or Chinese economy, the medium term affects will help to maintain or increase property values.

In order to keep housing stability in Australia, interest rates have to remain low and repossessions must remain few. Banks that are working with their customers in order to allow them to keep their homes are helping bring back the economy. If banks repossess a majority of homes and hold on their books a large amount of overvalued, non-saleable stock, the market will surely fall.

Half way through 2009, the Australian property market has been able to maintain a solid ground. If employment can continue and the stimulus packages of other countries begin to kick in, the property market will remain strong. Although significant rises in the Australian property market should not be expected, a modest increase next year should be an attainable goal.

Click here for information about Securities Based Lending / Stock Loans